Mortgage interest rates 2026
Here you find up-to-date mortgage interest rates from 40+ mortgage lenders in the Netherlands. Compare mortgage lenders and interest rates side by side to quickly see which option best fits your situation.
Do you want to know what your monthly mortgage payments could be at a specific interest rate? Contact our mortgage advisors for a free, no-obligation mortgage calculation.
Please fill in all the fields to calculate the best interest rates for your persional situation
How OHAO mortgage advisors can help you
At OHAO, we start with an introductory call to get to know each other and understand your situation. We work with the biggest banks in the Netherlands, such as ING, Rabobank, and ABN AMRO, as well as other leading mortgage lenders like Nationale-Nederlanden, Florius and ASN bank.
This means all interest rates are available in one place, and we take care of the entire process for you — so you can choose between the lowest interest rates and the best mortgage conditions.
After the first call, you have clear insight into your mortgage options, monthly payments, tax benefits, and required savings.
- Competitive advisory fee starting from €2.495
- Compare 40+ mortgage lenders
- Expert advice and detailed reports provided in English
How interest rates performed in the past?
2010–2021: Mortgage interest rates in the Netherlands declined to historic lows after the global financial crisis, supported by loose monetary policy and years of near-zero rates.
This period ended in 2022–2023, when rising inflation prompted the European Central Bank to sharply increase rates, pushing Dutch mortgage rates to around 5%.
2024–2025: As inflation eased in 2024, interest rates began to stabilise. In 2025, the ECB reduced its deposit rate to 2%, signalling a shift toward a more balanced and predictable interest rate environment.
Interest rates are near the end of the current cycle, with no sharp increases expected if inflation remains under control.
Mortgage rates are likely to move within a narrow range, offering more predictability for buyers and homeowners.
According to ABN AMRO, short-term mortgage rates should remain close to current levels, while long-term rates may stay stable or rise slightly.
If you plan to purchase a home in 2026, stable interest rates can be good news. Greater predictability allows you to plan your budget and financing with more confidence.
Keep in mind that interest rates can change due to economic, global, and political developments.
*Disclaimer: this information is based on data from various sources believed to be reliable at the time of writing.
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